Hawaii Housing Finance and Development Corporation HEMAP
Hawaii Housing Finance and Development Corporation
About This Program
Home Emergency Mortgage Assistance Program provides low-interest home repair loans to Hawaii homeowners who need assistance with emergency repairs and rehabilitation. Loans available at 1% or 3% interest depending on income.
Low-interest loan amount varies by income and project scope
Record set last reviewed 2026-06-09. How we verify our data.
Other published resources for Pearl City, HI, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
- EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs
Key Details
- Low-interest loans up to $35,000
- 1% or 3% interest based on income
- For emergency repairs and rehabilitation
- Must be owner-occupied primary residence
- Available to Hawaii homeowners
How to Apply
Cited page unavailable. Our automated check on found that the stored cited page returned an HTTP 404 or 410 response. This result applies to the page, not the program: it does not prove the program ended, that it is open, or that anyone qualifies. Confirm current terms directly with the program administrator using other contact information you can verify. Report a replacement source or correction.
Track this programProgram phone: (808) 587-0640
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Pearl City.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
Your application paperwork
Documents you will likely need
- Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
- A government-issued photo ID for every owner on title.
- Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
- A written estimate from a licensed contractor for the work (many programs require this to apply).
- Photos of the problem area or the work to be done.
- The program's own application form, completed (use the official link or phone number on this page).
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling applications subject to fund availability
Questions about this program?
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More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Pearl City, HI
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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